credit risk manager

Toyota Point Motors

The MandateToyota Point Motors is seeking a strategic and analytical Senior Credit Risk Manager to lead our credit governance department. As a premier automotive hub in Salalah, we require a professional who can design and oversee sophisticated credit assessment frameworks for both individual and corporate clients. You will be the primary authority on risk appetite, ensuring that our financing solutions remain competitive while maintaining an industry-leading low NPL (Non-Performing Loan) ratio.Core Responsibilities<ul><li>Credit Framework Design: Develop and refine credit scoring models and underwriting policies tailored to the Omani automotive market, balancing sales targets with risk exposure.</li><li>High-Value Approval: Act as the final decision-maker for high-value credit applications, corporate fleet financing, and complex lease-to-own agreements.</li><li>Portfolio Risk Monitoring: Conduct continuous stress-testing and aging analysis of the total credit portfolio, identifying emerging trends or regional economic shifts that may impact repayment behaviors.</li><li>Collections Strategy Oversight: Lead the recovery and collections teams in developing ethical but effective intervention strategies for delinquent accounts, in compliance with Omani commercial laws.</li><li>Stakeholder &amp; Bank Liaison: Maintain strong relationships with partner banks and financial institutions, ensuring seamless integration of third-party financing and internal credit facilities.</li><li>Regulatory Compliance: Ensure all credit activities adhere strictly to Central Bank of Oman (CBO) guidelines and local consumer protection regulations.</li></ul>Professional Profile<ul><li>Minimum 10&ndash;12 years of experience in credit risk management, preferably within the automotive finance, banking, or consumer retail sectors.</li><li>Technical Expertise: Advanced proficiency in credit modeling, financial statement analysis, and risk-rating systems.</li><li>Proven track record of managing large-scale portfolios and leading high-performance risk/collections teams.</li><li>Deep understanding of the Omani Commercial Law and the Sultanate&rsquo;s regulatory landscape for retail finance.</li><li>Bilingual Excellence: Absolute professional fluency in English and Arabic is mandatory for credit committee reporting and regulatory liaison.</li><li>Bachelor&rsquo;s degree in Finance, Economics, or Risk Management; professional certifications (e.g., FRM, PRM) are highly advantageous.</li></ul>Package &amp; Benefits<ul><li>Fixed Monthly Salary: OMR 2,600.</li><li>Comprehensive health and life insurance for self and immediate family.</li><li>Annual flight allowance and 30 days of annual leave.</li><li>Full company sponsorship and residency permit in Salalah.</li><li>A leadership position with a globally recognized automotive brand in the heart of Al Wadi.</li></ul>الراتب المدفوع: ﷼٢٬٦٠٠٫٠٠٠&nbsp;لكل شهرموقع العمل: بشكل شخصي

Senior Credit Risk Manager

MUFG

<div>Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world&rsquo;s leading financial groups. Across the globe, we&rsquo;re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world&rsquo;s most trusted financial group, it&rsquo;s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.
Responsibilities:
Operate Credit &amp; Risk organization to maintain a sound risk management framework.<ul><li>
Operate internal frameworks. Develop an effective and efficient risk management framework in line with the risk appetite pursued under MUFG&rsquo;s business activities.</li><li>
Responsible for extensive knowledge of country/risk factors on a macro level and informing direct reports of such information.</li><li>
Responsible for detailed knowledge of industries and all current events in assigned portfolio utilizing internal and external sources.</li><li>
Incumbents at this level may manage a department, product, or process with a large amount of independence. Typically referred to as technical expert and known internally and externally as reliable, knowledgeable resource.</li><li>
Develops and exercises business plans, policies and procedures and may also be responsible for various projects to improve efficiency. Individuals at this level have a clear understanding of the firm's different businesses and the related economics.</li></ul>
Promote well-balanced growth by contributing to establishing risk frameworks.<ul><li>
Work with business lines/product groups on risk appetite initiatives, identify key risks, and advise proper ways to mitigate.</li><li>
Support MUFG&rsquo;s effort to enhance its FIG business franchise, pursuing consistent and efficient operations across MUFG affiliates.</li><li>
Guide and support business lines/products groups/examination function/legal function/risk management function on credit and risk related issues.</li></ul>
Credit Analysis, review &amp; challenge.<ul><li>
Monitor and manage the credit exposure within portfolios and individual transactions, continually review counterparty creditworthiness, and develop credit exposure methodologies in conjunction with risk analytic systems.</li><li>
Identify structural risks, mitigates in prospective transactions, and recommend / enhance structuring of deals and covenant in line with policies and procedures.</li><li>
Review Credit Applications, directly and independently communicate with account officers, portfolio managers to ensure effective challenge is provided for key risk issues and recommend making decisions with little support from management.</li><li>
Advise account officers and portfolio managers on credit risk issues/terms and conditions to create the best possible deal with a goal of maximizing profit and minimizing credit cost.
</li><li>Analyze credit risk of the designated portfolio, determine accurate ratings, and make recommendations of accurate and timely ratings to management.</li><li>
Perform due diligence and regularly scheduled reviews.</li><li>
Supervises and reviews the preparation of credit analyses by Credit Analysts.</li><li>
Monitoring the performance of due diligence and regularly scheduled evaluation of loan portfolio for which they are responsible.</li><li>
Responsible for the coordination and communication of account information across various constituencies throughout the organization.</li></ul>
Policy Compliance<ul><li>
Liaise and coordinate with global MUFG colleagues to maintain effective and efficient control on risk management, with pursuit of global consistency and compliance with external regulatory/internal requirements.</li><li>
Participate in internal activities to review and revise policy and procedures to enhance MUFG&rsquo;s risk management capabilities.</li></ul>
Manage and mentor junior members of the organization.<ul><li>
Manage and train subordinates within the chain.</li><li>
Guide junior analysis of the organization in completing complex assignments.</li><li>
Enrich knowledge of the teams in charge of Credit underwriting, Credit reviews,</li><li>
Provides credit training and other relevant education to Credit Analysis.</li></ul>
Global / entity-agnostic coordination in pursuit of achieving both regional and global objectives.<ul><li>
Contribute to MUFG by achieving strategic and business goals. Perform related duties and participate in special assignments and projects as required.</li><li>
Work with other credit functions to establish appropriate internal control mechanisms.</li></ul>
Qualifications:<ul><li>
In-depth knowledge of all elements of credit and risk principles.</li><li>
10 years&rsquo; work at corporate banking experience at financial institutions or equivalent firms.</li><li>
In depth knowledge with min. experience of 5 years in credit analysis and risk management, capable of independently managing complex transactions.</li><li>
5 years&rsquo; experience and good understanding to customs in U.S. / Japanese Banking and Global Subsidiary Banking business.</li><li>
Good understanding of regulations, expectations of regulators (JFSA, BOJ, OCC, FED, FDIC), and relevant policies &amp; procedures.</li><li>
In depth understanding of U.S. Regulatory Ratings, its definition, regulatory expectations, application to various business / products.</li><li>
Thorough knowledge of legal and compliance regulations pertinent to lending.</li><li>
Strong knowledge covering accounting standards, finance, and regulation.</li><li>
Established coaching skills, team management, and leadership experience.</li><li>
Verbal and writing English and Japanese skills required for collaboration with MUFG&rsquo;s Head office in Japan, able to communicate with senior management and navigate through complicated problems via negotiations and persuasion.</li><li>
Minimum of 5 years&rsquo; experience of participating in cross-regional / entity-agnostic project and/or working overseas to achieve global objectives of the firm.</li></ul>
Education:<ul><li>
Bachelor's degree preferred or a closely related discipline, or an equivalent combination of formal education and experience</li></ul>
The typical base pay range for this role is between $210K - $275K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-based bonuses and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.
MUFG Benefits Summary
We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles&rsquo; Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual&rsquo;s associates or relatives that is protected under applicable federal, state, or local law.</div>

Credit Risk Manager II

Career Maker

About the RoleOur client in Bahrain is seeking an experienced Credit &amp; Risk Manager / Head of Risk to lead enterprise-wide risk and credit functions, ensuring strong portfolio quality, regulatory compliance, and sustainable growth.Key Responsibilities<ul><li>Develop and maintain risk management frameworks, policies, and risk appetite.</li><li>Oversee credit underwriting, approval processes, and lending controls.</li><li>Approve credit proposals within delegated authority.</li><li>Monitor portfolio performance (arrears, delinquency, NPLs, recoveries).</li><li>Conduct stress testing and portfolio risk analysis.</li><li>Ensure compliance with CBB regulations and reporting requirements.</li><li>Manage risk reporting, audits, and governance processes.</li><li>Provide risk input on new products and strategic initiatives.</li></ul>Key Requirements<ul><li>Bachelor&rsquo;s degree in Finance, Banking, Accounting, or related field (MBA preferred).</li><li>7&ndash;10 years&rsquo; experience in credit/risk management within financial institutions.</li><li>Strong knowledge of CBB regulations (Volume 5 preferred).</li><li>Professional certifications (FRM, CFA, ACCA, CPA) are an advantage.</li></ul>Core Skills &amp; Competencies<ul><li>Credit analysis and underwriting</li><li>Portfolio analytics and IFRS 9 (ECL)</li><li>Strong analytical thinking and decision-making</li><li>Leadership and stakeholder management</li><li>High integrity and attention to detail</li></ul>How to ApplyIf interested, apply here or share your CV at akshat@careermakerbh.com.Job Type: Full-timePay: BD1,200.000 - BD1,800.000 per monthApplication Question(s):<ul><li>How many years of experience do you have in credit risk / risk management within financial institutions?</li><li>Do you have experience with CBB regulations (or similar banking regulatory frameworks) and IFRS 9 / ECL?</li><li>Have you handled credit approvals, portfolio monitoring (NPLs/delinquency), or risk reporting? Please provide a short summary of your experience.</li></ul>Work Location: In person

Credit & Risk Manager / Head of Risk

American Express

<div>How will you make an impact in this role?
The Credit Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for independently overseeing and challenging the company&rsquo;s credit risk taking and credit risk management activities, including the comprehensive identification, management, and mitigation of credit risks within the company&rsquo;s risk appetite.
This person is responsible for providing credible challenge to US &amp; International consumer and small business new accounts and limit management risk strategies and processes within AMEX. The candidate should have experience in credit risk management, data &amp; analytics, risk appetite limit setting, portfolio monitoring and relevant regulatory regulations and guidance.
The incumbent will report to the Director, Global Credit Risk Oversight.</div>
 <div><ul><li>Credit risk management experience or a similar role;
</li><li>Strong analytical skills and business acumen with a risk-reward control perspective;
</li><li>Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python);
</li><li>Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders;
</li><li>Demonstrates the courage to challenge the status quo;
</li><li>Demonstrates the ability to successfully manage multiple priorities under pressure;
</li><li>Proven ability to collaborate with colleagues across the Company;
</li><li>Self-starter with natural curiosity to solve problems;
</li><li>Advanced degree in quantitative field is preferred
</li></ul>*Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.</div>
 <div>At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.
As part of Team Amex, you&rsquo;ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.</div>
 <div>We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
<ul><li>Competitive base salaries
</li><li>Bonus incentives
</li><li>6% Company Match on retirement savings plan
</li><li>Free financial coaching and financial well-being support
</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits
</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
</li><li>Free and confidential counseling support through our Healthy Minds program
</li><li>Career development and training opportunities
</li></ul>For a full list of Team Amex benefits, visit out Colleague Benefits Site .
<div>American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles&rsquo; Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions. 
</div><div></div> 
<div>We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually. 
</div><div></div> 
<div>US Job Seekers - Click to view the &ldquo; Know Your Rights &rdquo; poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster.</div></div><div></div>

Credit Risk - Manager, Data Science

Propel Consult

Job Title: Credit &amp; Risk Manager Department: Risk Management Department Location: Head Office - Kingdom of Bahrain Reporting to: Chief Executive Officer (CEO)Job PurposeTo lead and manage the company&rsquo;s enterprise risk and credit risk framework, ensuring prudent lending practices, portfolio quality, regulatory compliance, and alignment with the requirements of CBB. The role is responsible for safeguarding asset quality, optimizing risk-adjusted returns, and maintaining a strong risk culture across the company.Responsibilities<ul><li>Risk Management Framework</li></ul>&middot; Develop, implement, and maintain enterprise-wide risk management policies and frameworks.&middot; Identify, assess, monitor, and mitigate key risks including credit, liquidity, operational, compliance, and reputational risks.&middot; Maintain risk appetite statements and risk tolerance limits approved by the Board.&middot; Prepare periodic risk reports to Management and Board Committees.<ul><li>Credit Risk Management</li></ul>&middot; Oversee underwriting standards, credit approval processes, and lending controls.&middot; Review and approve credit proposals within delegated authority.&middot; Ensure sound borrower assessment, affordability checks, collateral coverage, and covenant monitoring.&middot; Monitor concentration risk, sector exposure, and large obligor limits.<ul><li>Portfolio Monitoring &amp; Collections Oversight</li></ul>&middot; Track portfolio performance including arrears, delinquency, NPLs, restructuring, and recoveries.&middot; Recommend corrective actions to improve collections and reduce defaults.&middot; Conduct stress testing and scenario analysis on loan portfolio.<ul><li>Regulatory Compliance &amp; Governance</li></ul>&middot; Ensure compliance with CBB rules, prudential requirements, and governance standards.&middot; Coordinate risk-related regulatory returns, ICAAP/Capital assessments, and audit responses.&middot; Liaise with Internal Audit, Compliance, and External Auditors.<ul><li>Strategic Support</li></ul>&middot; Provide independent risk opinions on new products, partnerships, and strategic initiatives.&middot; Support growth while maintaining acceptable risk-adjusted profitability.Requirements &middot; Bachelor&rsquo;s degree in Finance, Banking, Accounting, Risk Management, or related field.&middot; Master&rsquo;s degree / MBA preferred.&middot; Professional certifications desirable: FRM, PRM, CFA, ACCA, CPA.&middot; Minimum 7-10 years&rsquo; experience in risk management / credit risk within banks or financing companies.&middot; Strong knowledge of CBB regulations, especially Volume 5.&middot; Experience in SME, corporate, consumer, and secured lending preferred.Work Location: In person

Credit and Risk Manager

DOHA BANK

<div>
 
 
 
 JOB DESCRIPTION
 
 
 
 
 
 Manager &ndash; Corporate Credit Risk Evaluation
 
 
 
 
 
 
 
 
 ROLE OBJECTIVE
 
 
 
 
 The
 
 Manager &ndash; Corporate Credit Risk Evaluation
 
 is responsible for
 
 independent evaluation, approval, and escalation of corporate credit proposals
 
 and for ongoing
 
 portfolio risk oversight
 
 , ensuring alignment with the Bank&rsquo;s risk appetite, internal credit policies, and QCB regulatory requirements.
 
 
 
 
 
 The role operates as a
 
 key credit decision authority
 
 within the Corporate Credit Risk function, providing effective challenge to business proposals, supporting sustainable asset growth, and safeguarding portfolio quality.
 
 
 
 
 
 
 
 KEY ROLES &amp; RESPONSIBILITIES
 
 
 
 
 
 
 A. Credit Evaluation &amp; Decision‑Making
 
 
 
 <ul>
 <li>
 Independently
 
 review, assess, approve, or recommend
 
 corporate credit facilities (new, renewal, enhancement, amendment) within the approved delegated authority.
 </li>
 <li>
 Evaluate
 
 financial statements, cash‑flow projections, business models, facility structures, collateral, and guarantees
 
 , with a primary focus on repayment capacity and risk sustainability.
 </li>
 <li>
 Identify inherent credit risks and assess the adequacy of risk mitigants in line with approved credit policies and regulatory guidelines.
 </li>
 <li>
 Prepare and/or review
 
 Credit Memos, Credit Cover Sheets, and Term Sheets
 
 , ensuring clarity, accuracy, and risk transparency.
 </li>
 <li>
 Present credit proposals and risk assessments to
 
 Credit Committees or senior approving authorities
 
 , as required, and address queries effectively.
 </li>
 </ul>
 
 
 
 
 
 
 B. Corporate Credit Portfolio Management
 
 
 
 <ul>
 <li>
 Manage and monitor the
 
 credit risk profile of the assigned corporate portfolio
 
 throughout the credit life cycle.
 </li>
 <li>
 Track
 
 early warning signals
 
 , covenant compliance, conduct of accounts, and sector / single‑name concentration risks.
 </li>
 <li>
 Recommend
 
 preventive or corrective actions
 
 , including restructuring, limit adjustments, or enhanced monitoring, to manage emerging risks.
 </li>
 <li>
 Escalate material or deteriorating risks to the Section Head and senior management in a timely manner.
 </li>
 </ul>
 
 
 
 
 
 
 C. Policy, Governance &amp; Regulatory Compliance
 
 
 
 <ul>
 <li>
 Ensure all credit evaluations and decisions comply with
 
 internal credit policies, procedures, risk appetite statements, and QCB regulatory requirements
 
 .
 </li>
 <li>
 Apply policy judgment when assessing exceptions and deviations and provide reasoned recommendations for approval.
 </li>
 <li>
 Contribute to the
 
 review and enhancement of credit policies and procedures
 
 in response to regulatory changes or market developments.
 </li>
 <li>
 Support internal audits, external audits, and regulatory reviews by providing timely and accurate information.
 </li>
 </ul>
 
 
 
 
 
 
 D. Stakeholder Engagement &amp; Business Partnership
 
 
 
 <ul>
 <li>
 Work closely with
 
 Corporate Banking, Wholesale Banking, Treasury, Credit Administration, and Credit Control
 
 teams to ensure end‑to‑end credit risk management.
 </li>
 <li>
 Engage with Relationship Managers, and where appropriate, clients to understand business operations, funding requirements, and risk drivers.
 </li>
 <li>
 Provide
 
 constructive challenge and guidance
 
 to business teams to ensure balanced risk‑return outcomes.
 </li>
 </ul>
 
 
 
 
 
 
 E. People Management &amp; Coaching
 
 
 
 <ul>
 <li>
 Guide and support
 
 Credit Risk Analysts / Senior Credit Risk Analysts
 
 in the preparation and quality of credit assessments.
 </li>
 <li>
 Review credit analyses prepared by team members and provide feedback to enhance judgment, structure, and risk articulation.
 </li>
 <li>
 Support the Section Head in recruitment screening, performance feedback, and capability development within the Credit Risk Evaluation unit.
 </li>
 <li>
 Act as a
 
 technical mentor and role model
 
 , maintaining consistent credit standards across the team.
 </li>
 </ul>
 
 
 
 
 
 
 AUTHORITY &amp; DECISION FRAMEWORK
 
 
 
 <ul>
 <li>
 Operates with
 
 delegated credit approval authority
 
 in line with the Bank&rsquo;s approval matrix.
 </li>
 <li>
 Authorized to recommend and escalate complex or high‑risk proposals to higher approving authorities.
 </li>
 <li>
 Participates in
 
 Credit Risk Committees and management forums
 
 as required.
 </li>
 </ul>
 
 
 
 
 
 
 EDUCATION &amp; EXPERIENCE
 
 
 
 
 
 
 Educational Qualifications
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Accounting, Business, Economics, or related discipline.
 </li>
 <li>
 Professional certifications (CA, CFA, FRM, MBA) are an advantage but not mandatory.
 </li>
 </ul>
 
 
 
 
 
 
 Experience
 
 
 
 <ul>
 <li>
 
 10&ndash;15 years total experience
 
 in banking or financial services.
 </li>
 <li>
 
 Minimum 7&ndash;10 years
 
 in
 
 Corporate Credit Risk / Credit Evaluation
 
 .
 </li>
 <li>
 Proven exposure to
 
 corporate and commercial banking clients
 
 and complex credit structures.
 </li>
 <li>
 Experience operating with
 
 delegated credit approval authority
 
 and supporting Credit Committees.
 </li>
 </ul>
 
 
 
 
 
 
 TECHNICAL COMPETENCIES
 
 
 
 <ul>
 <li>
 Corporate financial statement and cash‑flow analysis
 </li>
 <li>
 Credit structuring and risk mitigation techniques
 </li>
 <li>
 Credit grading / rating methodologies (working knowledge of PD, LGD concepts)
 </li>
 <li>
 Portfolio risk monitoring and concentration analysis
 </li>
 <li>
 Strong written and verbal
 
 credit risk articulation
 
 </li>
 </ul>
 
 
 Strong judgment and interpretation skills are critical; model development is not a core requirement.
 
 
</div>

Manager Credit Risk Evaluation

B&B Hotel Hannover-City

The Credit Control Manager is responsible for overseeing the credit control function, ensuring the timely collection of outstanding payments while minimizing risk to the organization. This role focuses on developing and implementing effective credit control policies and procedures, managing customer accounts, and maintaining strong relationships with clients.Key Responsibilities:<ul><li>Follow-up with all the customers in a daily basis to ensure the payments and solve their accounts problem to get the monthly collection target.</li><li>Review collection reports to ascertain status of collections-and-balances outstanding and evaluate effectiveness of current collection policies and procedures and reporting to the business support manager.</li><li>Visit the top customers on regular basis to maintain a strong relationship with them and to resolve any issues that could delay the collection process.</li><li>Proactive in managing credit risk and escalating it to the Business support manager and Area manager.</li><li>Looks for ways to improve debt collection processes.</li><li>Prepare and send an official reminder letter to the defaulting customers.</li><li>Directly manage the Business Support officer and the collectors regarding the payments collection, Invoices, and credit notes properly submissions.</li><li>Review with the branch accountant regarding the customers reconciliations and make sure that everything is going smoothly and solve the problems, if any.</li><li>Review and advise the opening of new accounts and orders for previously blocked accounts.</li><li>Prepare all the documents required and send it to the business support manager to coordinate with the lawyer regarding to the customers transferred to the legal affairs.</li><li>Collaborate and coordinate with the accounting and sales team to ensure that all the payments and Credit notes were booked properly.</li></ul>Key Required Skills/ Experience<ul><li>University degree in Accounting, Finance or similar field and experience in similar or related industries</li><li>Minimum of five (5) years of experience in finance / credit related role with strong knowledge of cash flow management</li><li>Must be able to do reduction in DSOs and achieving monthly collection target.</li><li>Timely and accurate month-end closing</li><li>Be able to do reporting and resolution of issues through KPI reporting and management.</li></ul>What you can expect from Employer:Gross salary :up to QAR 14,000/month Location: Doha/ QatarCompany carMedical Insurance for selfEmployment visaJob Types: Full-time, PermanentPay: QAR13,000.00 - QAR14,000.00 per monthApplication Question(s):<ul><li>Do you have a valid driver's license?</li></ul><ul><li>Do you have a degree in finance or business or equivalent ?</li></ul><ul><li>Do you have a minimum of 5 years of experience in credit control in GCC?</li></ul><ul><li>Are you currently in Qatar ?</li></ul>Work Location: In person

Credit Controller

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